Tuned to the way Southeast Asia actually lends.
Live with enterprise lenders across the Philippines and Indonesia. GCash screenshots, BDO statements, BIR forms, e-KTPs — every borrower document, parsed and verified in seconds.
Both banks and fintechs hit the same wall.
Banks choke on manual document review. Fintechs lack the intelligence to underwrite past credit scores. Both sides leave good borrowers in the queue.
E-wallet records arrive as screenshots
GCash, Maya, OVO, GoPay. Borrowers send phone screenshots, not exports. Standard OCR mangles the layout.
Bureaus are thin
CIC and CIBI cover a fraction of the borrower base. Most applicants need to be assessed from documents alone.
Documents arrive on WhatsApp
Borrowers send IDs, payslips, and receipts in chat threads. Files trickle in over weeks. Funnels leak.
Multilingual paperwork
Tagalog, Bahasa, English, sometimes mixed in the same document. Off-the-shelf models miss context.
Three lender archetypes, calibrated to Southeast Asia.
SME and commercial lenders
Audited financial statements, BIR Form 2303, DTI/SEC registration, payslips. Cash-flow modeling against Filipino and Indonesian SME profiles.
Consumer fintechs and microlenders
GCash and OVO statements as alternative income proof. Real-time fraud and tampering checks at BNPL volume.
Banks and digital banks
Calibrated to your credit policy. SOC 2 Type II and ISO 27001 in active engagement. Engagement letters available on request.
Documents we read fluently — and the long tail we can extend.
No templates required. Our models reason through any document format visually — even handwritten, poorly scanned, or rotated.
E-wallet statements
GCash, Maya, ShopeePay, GrabPay, OVO, GoPay, Dana
Bank statements
BDO, BPI, Metrobank, UnionBank, Landbank (PH); BCA, Mandiri, BNI, BRI (ID)
Government IDs & records
SSS, PhilHealth, Pag-IBIG, BIR (PH); e-KTP, NPWP, BPJS (ID)
Employment & income
Payslips, DTI registration, SEC registration, COE
Invoices & OR/CR
Official receipts, BIR Form 2303, supplier invoices
Credit profiles
TransUnion PH, CIBI, CIC reports
Utilities & address proof
Meralco, Manila Water, PLDT, Globe (PH); PLN, PDAM (ID)
Bring an unlisted format. Capture handles it on day one.
Forward-deployed engineering for region-specific edge cases.
Calibrated to your security review.
Compliant with data storage rules in PH and ID. Borrower data stays in-region. Engagement letters for ISO 27001 and SOC 2 Type II available on request via support@usekita.com.